About Hypofriend
What is special about Hypofriend's advice?
Exploring my options- Should I buy or continue renting?
- Is now a good time to buy property for own use?
- What are the real estate agent fees in Germany?
- How much can I afford or borrow?
- How can I increase what I can borrow?
- Can I get a credit loan to increase my affordability?
- Can I get a mortgage in Germany without equity?
- What is Baukindergeld and how can it help me?
- I'm self-employed, am I eligible for a mortgage and how much?
- Should I borrow the maximum amount or should I save some equity?
- What’s the difference between buying for own use and buying to let?
Exploring my options: advanced questions- How do I know if a property is over priced?
- Can I use a Bausparvertrag as a down payment?
- Should I get pre-approved for a mortgage?
- Can I get a mortgage for property outside Germany?
- What happens after my mortgage request gets approved?
- How does the KfW subsidy work with my mortgage?
- Can I include modernisation or renovation costs into the mortgage?
Mortgage fundamentals- How can I get pre-qualified?
- How is the monthly rate calculated?
- How quickly should I pay off my mortgage?
- What is Loan-to-value and why does my down payment matter?
- How to choose the right fixed interest period?
- Can I use extra repayments to repay my mortgage quicker?
- Are my mortgage payments tax deductible?
- What more should I consider before closing my mortgage?
- What should I know if I expect to sell my house within 10 years?
- What is my SCHUFA score?
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
Applying for a mortgage
Handy Definitions- Kaufnebenkosten
- Anschlussfinanzierung
- SCHUFA
- KfW Darlehen
- Tilgung
- Zinszahlungsdarlehen
- Forward Darlehen
- Maklergebühr
- Grunderwerbsteuer
- Beleihungswert
- Vorfälligkeitsentschädigung
- Laufzeit
- Monatsrate
- Notarkosten
- Bausparvertrag
- Bauträger
- Annuity Loan
- Selbstauskunft
- Restschuld
- Notar & Beurkundung
- Zinsbindungsfrist
- Beleihungsauslauf
- Grundschuld
- Grundbuch
- Volltilgerdarlehen
- Notwendige Unterlagen
- Bereitstellungszinsen
- Haushaltsrechnung
- Grundsteuer
- Sondertilgung
- Baukindergeld
- Immobilienfinanzierung
Maklergebühr
(Real Estate Commission/Fee)
This fee is paid to the real estate agent for successfully referring the buyer to the property they wish to purchase. It can range from 0% - 7,14% of the property price. Depending on the region in which the property is purchased, the commission is either fully paid by the buyer, the seller, or split between the two parties.
The table below exhibits the real estate commission depending on the state in Germany.
State | Real estate commission | Quantity paid by seller | Quantity paid by buyer |
| Baden-Württemberg | 7,14% | 3,57% | 3,57% |
| Bayern | 7,14% | 3,57% | 3,57% |
| Berlin | 7,14% | 3,57% | 3,57% |
| Brandenburg | 7,14% | 3,57% | 3,57% |
| Bremen | 5,95% | 2,98% | 2,98% |
| Hamburg | 6,25% | 3,07% | 3,18% |
| Hessen | 5,95% | 2,98% | 2,98% |
| Mecklenburg-Vorpommern | 5,95% | 2,87% | 3,08% |
| Niedersachsen | 7,14% or 4,76-5,95% | 3,57% or 0% | 3,57% |
| Nordhein-Westfalen | 7,14% | 3,57% | 3,57% |
| Rheinland-Pfalz | 7,14% | 3,57% | 3,57% |
| Saarland | 7,14% | 3,57% | 3,57% |
| Sachsen | 7,14% | 3,57% | 3,57% |
| Sachsen-Anhalt | 7,14% | 3,57% | 3,57% |
| Schleswig-Holstein | 7,14% | 3,57% | 3,57% |
| Thüringen | 7,14% | 3,57% | 3,57% |
From 23th of december onwards the real estate commission fee is in whole germany shared by seller and buyer. Read more in our article about the new law.
Certified by 
Covered by 
GDPR Standards 